Work it out with your lender
Loan modification, repayment plan, forbearance or a partial claim. We help you understand what to ask for and what paperwork your servicer wants.
How we're paid: we aren't. This is guidance only.
Free foreclosure help in Texas
Behind on the mortgage? You have more options than the letter lets on.
Most homeowners we talk to don't know which way out is right for them yet. That's the point of the call. We lay out every path, explain what each one costs and saves, and you decide.
No cost for the call. No paperwork on the first conversation. No pressure to decide anything that day.
The Texas timeline
Find where you are. That tells us how much room you have.
Texas moves faster than most states because lenders usually don't have to go to court. Here is the usual order of events.
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Stage 1
Missed payments
Late fees build and the servicer starts calling. Nothing has been filed yet, and every option is still available.
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At least 20 days to cure
Notice of default
A letter gives you a deadline to catch up before the loan is accelerated. Lenders are often most willing to deal here.
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At least 21 days before the sale
Notice of sale
The sale date is posted at the courthouse and filed with the county clerk. Investors and mailers start showing up.
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First Tuesday of the month
Foreclosure sale
The home is auctioned at the county courthouse. After a mortgage foreclosure sale in Texas, there is generally no way to buy it back.
General information about non-judicial foreclosure under Texas Property Code Chapter 51, not legal advice. Your loan documents, loan type and servicer can change the timing.
Your options
Six ways out. We'll tell you which ones fit and which don't.
Some of these make us money. Some make us nothing. Each card says which, so you always know where we stand.
How it works
One conversation, then a plan you chose.
Tell us where things stand
A short call. What you owe, what you've received in the mail, and what you'd want to happen if you had the choice.
We map your options
We check the timeline and the numbers, then walk you through which paths are realistic and what each one leaves you with.
You pick the path
Stay, sell or something in between. If you choose a path we can help with, we get to work. If not, you still leave with a plan.
Straight talk
Who we are, and how we make a living.
StopMyForeclosure is a small Houston team of real estate investors. We've spent years buying, renovating and selling homes in Harris and Montgomery Counties, so we know how lenders, title companies and the courthouse steps work.
Sometimes helping a homeowner means we buy the house or help sell it, and we earn money on that. Other times the right answer is a loan modification, and we earn nothing. Both are fine with us. A homeowner who was treated fairly is the only kind of advertising that works in this business.
We are not a law firm, a lender, a mortgage broker or a government agency, and we can't promise any particular outcome.
Chris GrewFounder, StopMyForeclosure
- No upfront feesYou never pay us to talk, to review your situation, or to explain your options.
- Nothing to sign on the first callIf paperwork ever comes up, you get time to read it and show it to anyone you trust.
- We won't tell you to stop talking to your lenderStay in contact with your servicer. Anyone who tells you otherwise is not helping you.
- We'll tell you when we're not the answerIf a lawyer, a HUD-approved housing counselor or your own lender is the better call, we say so.
Questions
What homeowners ask us first.
Is this really free?
The call and the guidance are free. If you later choose a path where we earn money, such as selling the house to us, the terms are written out and you agree to them before anything happens.
How did you get my address?
Foreclosure notices are public records filed with the county clerk. If you received a letter or a text from us, that is where your address came from. We aren't connected to your lender or to the county.
My sale date is a week or two away. Is it too late?
Not necessarily, but choices narrow quickly. Call or text today rather than booking a slot next week. Reinstatement, a direct sale and, through an attorney, bankruptcy can all still be possible close to the date.
Are you going to push me to sell my house?
No. Plenty of the people we talk to keep their homes. We'd rather give you an honest read and never do business together than talk you into a sale you didn't need.
Do I need a lawyer?
Sometimes. Bankruptcy, disputes with your servicer and anything involving a court filing call for an attorney. We don't give legal advice, and we'll tell you when it's time to get some.
Get free help
Tell us where you are. We'll take it from there.
Two quick steps: a few details about your situation, then pick a time to talk. During the day you'll usually hear from us fast.
Call or text: 832-664-7925
Houston, Texas
Step 2 of 2
Got it. Now pick a time to talk.
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A plain-English walk through the Texas foreclosure process and the choices you have at each stage. Free, sent to you right away.